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Classic Home Mortgage Providing Trustworthy Mortgage Guidance for Over 30 Years

Buying a home is one of the most significant investments that you will ever make. Like most good things, finding the perfect home comes with a lot of work. From your initial search online to your home tour and finally closing, there are many difficult decisions to make along the way. The bottom line is that the entire home buying process can be very stressful, especially when it comes to finding the right mortgage broker and loan for your new home. Since market conditions and mortgage programs change frequently, you have a lot riding on your broker's ability to provide quick and accurate financial advice. Whether you're a first-time homebuyer or own several residential properties, you need a mortgage broker in Ladson, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.

My name is Dan Crance - Ladson's most trusted mortgage loan officer with more than 30 years in the mortgage industry. I bring unparalleled insight and decades of experience into your home loan process. If you're looking for a new home loan, are interested in refinancing your current mortgage, or need information regarding FHA, VA, or other types of loans, Dan Crance is Your Mortgage Man.

Unlike some mortgage loan officers in Ladson, my primary goal is to help you make the right mortgage choice for you and your family. Mortgage lenders have a horrible reputation for turning over clients quickly to expedite cash flow and make the most money possible. While some mortgage brokers come off as pushy and impatient, I encourage my clients to take as much time as they need to ask questions and review their mortgage agreements. I'm here to help answer those questions and provide you with easy-to-understand advice so that you can rest easy knowing you made the right choice. I could say that I strive to provide service that exceeds your expectations, but I'd rather show you. In the end, I want you to leave feeling confident in the loan you've selected, as well as in your choice of broker.

Service Areas
Mortgage Broker Ladson, SC
 Refinance Ladson, SC

Why Choose Dan Crance As Your Mortgage Lender in Ladson, SC?

Clients choose my mortgage company because I truly care about helping them navigate the often-confusing landscape of the mortgage process. I am fiercely dedicated to my clients and make every effort to provide them with trustworthy advice and an open line of communication.

In my business, I work for two different customers. On one hand, I have the buyer: the person entrusting me with the responsibility of guiding them through one of the most important decisions ever. Serving homebuyers is not a task that I take lightly. I work with them daily to help them through the process and provide timely updates and news on their mortgage status. On the other hand, I have the realtor: the person who works with my client to find their dream home. Since their commission is in my hands, working with realtors is also a very important task. I update these agents on the status of their customers weekly. Only when I take care of both parties can I say my job as a mortgage loan officer is complete.

As a mortgage broker with more than 30 years of experience, I pledge to give you the highest level of customer service while providing you with the most competitive loan products available. That way, you can buy the home of your dreams without second-guessing your decision.

 Conventional Mortgage Ladson, SC

Home Financing in Ladson, SC

At Classic Home Mortgage, our team works diligently to close on time without stress or hassle. Whether you're a seasoned homeowner or are buying your new home in Ladson, we understand how much stress is involved. Our goal is to help take that stress off of your plate by walking you through every step of the home loan process. Because every one of our clients is different, we examine each loan with fresh eyes and a personalized approach, to find you the options and programs you need.

With over 30 years as a mortgage professional in Ladson, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.

 FHA Mortgages Ladson, SC

When you work with Classic Home Mortgage, you can always count on our team to:

  • Put your needs first.
  • Work efficiently and quickly. Many of our home loans close in 30 days or less.
  • Offer you a variety of home loans to choose from, and help you make an informed decision.
  • Provide you with competitive rates that make sense for your budget and lifestyle.

While no two loan terms are the same, a few of the most common loan types include:

30-Year Loan - This loan is often considered the most secure option to choose. With a 30-year loan, you can lock in a low payment amount and rest easy knowing your rate won't change.

FHA Loan - If you're not able to make a large down payment, an FHA loan could be the right choice for you. With an FHA loan, many of our clients have successfully purchased a home with less than 4% down.

VA Loan - This loan is reserved for military veterans and active-duty men and women. Those who qualify may be able to purchase a home with no down payment and no Private Mortgage Insurance (PMI).

Choosing a home loan is an important step in the home buying process. At Classic Home Mortgage, we are here to make choosing a loan as easy as possible, so you can focus on the joys of being a homeowner. Contact our team of experts today and ask how you can get pre-qualified for your home loan in Ladson, SC.

Refinancing in
Ladson, SC

Because home mortgage rates in the U.S. have been so low over the last year, many current homeowners are opting to refinance their home loans. Simply put, refinancing is replacing your existing mortgage with a different mortgage under new terms. Homeowners who refinance their homes enjoy lower interest rates, lower monthly payments, and even turn their home's equity into cash. If you're interested in refinancing your home, it all begins with a call to your mortgage broker in Ladson, SC - Dan Crance.

Here are just a few reasons why more homeowners in the U.S. are taking advantage of lower rates and refinancing their homes:
 Home Ready Mortgages Ladson, SC
Shorter Term Loan

Shorter Term Loan

Refinancing from a 30-year to a 15-year mortgage might seem counterproductive on the surface because your monthly payment usually goes up. However, interest rates on 15-year mortgages are lower. And when you shave off years of your previous mortgage, you will pay less interest over time. These savings can be very beneficial if you are not taking the mortgage interest deduction on your tax returns.

Do Away with FHA

Do Away with FHA

FHA loans are notorious for paying premiums for the life of the loan. Mortgage insurance premiums for FHA loans can cost borrowers as much as $1,050 a year for every $100k borrowed. The only way to get rid of mortgage insurance premiums is to refinance to a new loan that the Federal Housing Authority does not back.

Switch to Fixed Rate or Adjustable-Rate Home Loan

Switch to Fixed Rate or Adjustable-Rate Home Loan

Sometimes, borrowers with adjustable-rate mortgages refinance so they can switch to a fixed rate, which lets them lock in an interest rate. Doing so is beneficial for some homeowners who like to know exactly how much their monthly payment is each month. Conversely, some homeowners with fixed rates prefer to refinance to an adjustable-rate mortgage. Homeowners often go this route if they plan on selling in a few years and don't mind risking a higher rate if their plans fall through.

 Mortgage Banker Ladson, SC

Common Questions About Home Loans

Finding the right loan can be a difficult proposition, even if you have been through the process before. This is especially true since mortgage rates and market conditions change frequently. If you're like most of my clients, you probably have questions about interest rates, refinancing options, and a litany of other topics. To help alleviate some of your stress, here are just a few common questions with answers so that you can better educate yourself as we work our way to securing your loan.

Generally speaking, you should consider refinancing when mortgage rates are 2% lower than the current rate on your home loan. For some homeowners, refinancing makes sense when there is only a 1% difference. Reducing your mortgage rate is a great way to save money or apply your savings to a home upgrade. The money you save on your refinanced loan depends on your loan amount, budget, income, and charges from interest rates. It's crucial that you work with a trusted mortgage loan officer in Ladson, SC, to help calculate your refinancing options.
This is one of our most frequently asked questions at Classic Home Mortgage. In simple terms, points let you make a tradeoff between the upfront costs of your loan and your monthly payment amount. Points are essentially costs that you have to pay to your mortgage lender to get financing under specific terms. A point is defined as a percentage on your loan amount. 1-point is equal to 1% of the loan. So, 1 point on a loan worth $100,000 is equivalent to $1,000. When you pay some of the interest on your home loan upfront, you use discount points to lower your interest rate.
If you plan to live in the property for a few years, it makes a lot of sense to pay points to lower your interest rate. Doing so will help lower your monthly loan payment, which you can use to save money. Paying points may also increase the amount of money that you can borrow. If you do not plan on living in the property for at least a few years, this strategy might not make financial sense because you might not be able to make up the amount of the discount points you paid up-front.
In short, yes, your mortgage lender will need to know your credit score. Credit scoring is a system that creditors use to decide whether they will give you credit. Your credit score helps creditors decide how creditworthy you are or how likely you will repay your loan. In most circumstances, creditors will use your FICO scores during the loan process. Your score will fall between high risk (350) and low risk (850). Your credit score plays a big role in the loan process, and as such, your score must be accurate before submitting a credit report when applying for a loan.
The answer to this question depends on how money you choose to put as a down payment on your home. On a conventional loan, if your down payment is less than 20% of the price of your home, your mortgage broker in Ladson may require you to get Private Mortgage Insurance or PMI for short. This insurance protects your lender in the event you default on your mortgage. The best way to avoid paying for this insurance is to make a down payment of 20% or more of the purchase price of your home.
 Mortgage Company Ladson, SC

Trust Dan Crance

Your Mortgage Lender in Ladson, SC

Whether you're selling, buying, refinancing, or building the home of your dreams, you have a lot riding on your home loan specialist. When you need a mortgage broker who works tirelessly for you, answers your questions, provides guidance, and does so with a genuine smile, Dan Crance is your mortgage man. Contact Dan today at 843-478-5612 to get pre-approved and discover why Ladson loves Classic Home Mortgage.

After hours by appointment only. CONTACT DAN

Latest News in Ladson, SC

Tickets on sale for Lowcountry's 1st Trucking Expo; event aims to ease industry challenges

LADSON, S.C. (WCIV) — For the last two years, the trucking industry has...

LADSON, S.C. (WCIV) — For the last two years, the trucking industry has struggled with an all-time high in truck driver shortages. Amid this crisis, a Charleston trucking company is looking to change the narrative right here in the Lowcountry.

In exactly four months’ time, the Coastal Carolina Fairgrounds will be full of truck service companies, operators and vendors taking part in the first-ever trucking expo in the Lowcountry and South Carolina.

The expo is hosted by the trucking agency CM Transportation. The event will serve two main purposes:

One is to connect prospective drivers with current operators, vendors or agencies to provide the first step into entry in the trucking industry and open doors to those who haven’t had the opportunity before. It also looks to connect these prospective drivers with resources on how to get certified and obtain a commercial driver’s license.

The second is to connect operators with vendors in an attempt to improve supply chain management and look at ways to increase revenue.

With the current driver shortage totaling nearly 80,000 drivers nationwide, according to the American Trucker Association, leaders with CM Transportation say they felt the need to step in to try and make a change.

“With there being so many changes, like the cost of diesel fuel right now increasing the rates, we have a lot of people who are interested in entering into our industry,” CM Transportation owner and operator Carisa Carter said. “The lack of knowledge is why we peril. So, they don't really have the information that a lot of people don't have. The information that they need when they begin their journey in trucking. So, I think that this will change the face, because now they'll see that there is a support system.”

Carter said another focus of hers is to increase the female presence in the trucking industry. She hopes to use her connections within female-owned small businesses to help connect truck drivers with big players in the industry.

Truck drivers are in high demand, but there are many more factors that contribute to some of the struggles within the trucking industry.

One is the hike in diesel fuel prices over the last few months. Mix that with supply chain delays, and trucking companies like CM Transportation say it has completely changed the cost analysis for many companies and even caused many financial struggles.

Entry into the industry has also become harder over the last few months. New federal laws passed in February increased prices to obtain a CDL, which is required to be able to become a truck driver, by thousands of dollars.

To combat this, trucking officials say they have seen the highest salaries for drivers in almost 23 years, and with Charleston’s roots in shipping and ports, CM Transportation leaders hope this expo will drive more people into the industry.

“From East Coast to West Coast, there's just not enough truck drivers to deliver the amount of cargo that came in after the world opened back up after COVID,” Carter said. “That is one of the foundations, the biggest industries, that we have here locally, and so we're, you know, with this being a port city, the value is increased nationwide, which has allowed us to increase the value of our drivers here.”

The official date of the expo is set for Sept. 17 at the Coastal Carolina Fairgrounds. There will also be food, a DJ and a raffle for an estimated $6,000 set of tractor tires.

Tickets officially go on sale Tuesday for the first-of-its-kind expo. General admission starts at $25, with a professional package with more amenities starting at around $50.

Check out ABC News Four’s Sean Mahoney’s Twitter or Facebook page for more information on how to sign up.

Groundbreaking Thursday on 'state of the art' mental health facility in Ladson

LADSON, S.C. (WCIV) — Officials with Trident Medical Center are officially breaking ground on a new, standalone behavioral hospital!It will be the first the first freestanding ...

LADSON, S.C. (WCIV) — Officials with Trident Medical Center are officially breaking ground on a new, standalone behavioral hospital!

It will be the first the first freestanding behavioral hospital to open in the Lowcountry in over 30 years.

The nearly 58,790-square-foot facility in Ladson will include a single-story hospital and interior courtyard with space for recreation and therapy. The facility will have “state of the art” inpatient and outpatient services for Lowcountry residents.

The main difference this building will provide in comparison to general hospital care is more of a focus and extended resources for geriatric and adolescent care. The behavioral hospital will continue adult care as well.

The medical director for behavioral health at Trident, Jeffrey Culver, says he starts every day in the emergency room.

Currently, there are only 250 beds for mental health patients in the Lowcountry, and without a dedicated space for them — in most cases — a lot of them must go to the emergency room.

But with the construction of this new facility, Culver hopes it will help provide a safe space for real change and will get more people the help they need.

“I fully expect when this facility opens, that the dialogue both locally and nationally will continue to help chip away at that stigma. I think we're still a long way from where we need to be, where we can talk about mental health and mental illness the same way we talk about things like heart disease and cancer, but we're getting there. And I think being able to open up a brand-new facility and have people see that what we're doing is part of medicine,” Culver said.

ABC News 4's Sean Mahoney spoke with longtime mental health advocate Kelly Troyer, who works with the National Alliance of Mental Illness - Greater Charleston area.

She says the Lowcountry has come a long way in providing mental health services, but that there is still more work to be done and she hopes this will help kickstart that change.

Troyer also says the need for mental health services has drastically increased over the course of the pandemic.

The City of Charleston reported a 78.1 percent increase in the number of suicides from 2020 to 2021.

Troyer also has a personal connection to mental illness, as her son, Alex, was diagnosed with schizophrenia at a young age. She says finding resources in the Lowcountry was nearly impossible in the beginning, as she had to go out of state for care.

However, she says the construction of this new facility is a step in the right direction.

“As far as access to service, no, there's not enough in our state, especially in the rural areas. Then also, even here in the Lowcountry, we have great resources and we have people. But look at the Latino community and the African-American community, there's more [of a ] stigma around mental health conditions, so they don't reach out as much to the access that's here,” Troyer said. “So this groundbreaking of this hospital is very good news for us in our community. And we want to celebrate that.”

The hospital is expected to start out with 60 inpatient beds with the ability to expand and also will provide outpatient resources.

Construction started on the $30.4 million facility started in December, but officials with Trident waited until Thursday to hold the ceremony because of the weather.

Work is expected to wrap up in spring of 2023.

The groundbreaking ceremony and celebration is taking place at 11 a.m., at the construction site, which is about two miles from Trident Medical Center and right off highway 17 in Ladson, at 3445 Ingleside Boulevard.

Dorchester County starts $3 million fire station rebuild

DORCHESTER COUNTY, S.C. (WCSC) - Dorchester County Fire Station 21 on Ladson Road is now closed while construction begins on a major remodel.The $3.3 million project will see the station completely demolished and reoriented so the building faces the road.Fire Chief Tres Atkinson says the new station is part of the county’s strategy for redeveloping the Oakbrook area. He says the new station will have four bays, office space, living quarters and at least six bunkrooms.“This is a big deal for this area. I think...

DORCHESTER COUNTY, S.C. (WCSC) - Dorchester County Fire Station 21 on Ladson Road is now closed while construction begins on a major remodel.

The $3.3 million project will see the station completely demolished and reoriented so the building faces the road.

Fire Chief Tres Atkinson says the new station is part of the county’s strategy for redeveloping the Oakbrook area. He says the new station will have four bays, office space, living quarters and at least six bunkrooms.

“This is a big deal for this area. I think not so much for the call volume but just the way this area is growing and the way it looks,” Atkinson said. “We really need to make it fit the ticket for the remodel of the Oakbrook area. We really need to make this more aesthetically pleasing, and I think it’s a win for both sides - for the fire service and for the community as well.”

It will also feature a weight room and a dedicated area for turnout gear. This is a decontamination area to purge gear of harmful chemicals picked up during fire calls. Many of those chemicals are carcinogenic, meaning they can cause to cancer.

The project is currently $300,000 over the original budget with construction expected to be completed sometime next year, although a more specific timeline is not yet available. In the meantime, the fire trucks and ambulances have been moved to other areas.

That has some people living in the area concerned.

“The new station will be great in the long run, but I am just concerned that they were not planning their coverage in the meantime,” said Fred K. “There are numerous apartment buildings being constructed within a half mile from here. How are we going to have the same coverage while this construction is going on?”

Atkinson says they moved the fire engines to Station 22, about four miles away. They transferred EMS services to a Summerville fire station one mile away.

“We worked with our automatic aid partners in Summerville and North Charleston,” Atkinson said. “North Charleston has two stations right close by. . . There really won’t be a big impact to the response times.”

Fred’s concern isn’t about distance so much as it is about traffic.

“I’ve seen EMS have to drive over the concrete medians they put down on Dorchester Road. It’s not too easy for them to get down this way in heavy traffic,” Fred said. “The areas they have to go through are some of the most congested traffic in Dorchester County up here on Ladson Road and Dorchester Road. There’s so much more traffic here than there used to be even from just a few years ago. "

Atkinson says they’ve done the math and can guarantee there will not be a noticeable change in response times.

“We’ll be on scene very quickly,” Atkinson said. “It’ll be a big truck, a big red truck and it might say North Charleston or Summerville or Dorchester County on it but we’ll be there in a timely manner.”

Copyright 2022 WCSC. All rights reserved.

Elbit Systems of America, LLC establishing operations in Charleston County

COLUMBIA, S.C. – ...

COLUMBIA, S.C. Elbit Systems of America, LLC, a subsidiary of Elbit Systems Ltd., today announced plans to establish operations in Charleston County. The project will create approximately 300 new jobs.

Founded in 1983, Elbit Systems of America, LLC is a leading provider of high-performance products and system solutions focusing on the defense, homeland security, commercial aviation and medical instrumentation sectors.

Located at 9028 Palmetto Commerce Parkway in North Charleston, Elbit Systems of America, LLC’s new facility will increase the company’s manufacturing capacity and support future growth for new products.

The new facility is expected to be operational by fall 2022. Individuals interested in joining the Elbit Systems of America, LLC team should visit the company’s careers webpage.

The Coordinating Council for Economic Development has approved job development credits related to this project. Charleston County was also awarded a $700,000 Set-Aside grant to assist with costs related to this project.

QUOTES

“This is an exciting milestone for Elbit America, building on decades of investment and growth in the U.S. defense market. Establishing this facility is part of a strategy to increase Elbit’s engineering and manufacturing capabilities in the U.S. and contribute to strengthening America’s defense industrial base. We selected South Carolina due to its strong support for economic development, the availability of skilled workforce and the existence of a robust supply chain.” -Elbit Systems of America President & CEO Raanan Horowitz

“Elbit Systems of America, LLC’s decision to create approximately 300 jobs within South Carolina is a huge win for Charleston County and the entire state. This project is an example of what we are capable of as members of Team S.C. We are excited to welcome this company and look forward to supporting them for many years to come.” -Gov. Henry McMaster

“South Carolina continues to show itself as extremely competitive for companies looking to set up new operations. Elbit Systems of America, LLC’s decision to locate its new facility in South Carolina is another sign that our state’s business-friendly climate, skilled workforce and exceptional market access are working to attract investments that create new jobs within our borders.” -Secretary of Commerce Harry M. Lightsey III

“Charleston County is fortunate to have Elbit Systems of America, LLC join the ranks of our growing innovative ecosystem. We work hard each day to make our community business-friendly, resulting in the attraction of private investment and the creation of new job opportunities for our citizens.” -Charleston County Council Chairman Teddie Pryor

“The Port of Charleston is the nation’s most productive and efficient port. Charleston’s globally-connected infrastructure, robust defense sector, established automotive supply chain and reputation as a talent magnet influenced the company’s decision to locate here to better serve its customers. Elbit Systems of America, LLC will be a tremendous asset to our thriving defense, automotive and advanced manufacturing clusters.” -Charleston Regional Development Alliance Board Chairman Mike Fuller

This SC pup beat all odds for survival. Now he’s in the running for national hero dog award

Fire danced on the shed walls, sheltering Jake, his siblings and his mother. His mother and siblings escaped unharmed, but a piece of the inflamed ceiling fell on the 3-week-old puppy.Seven years later, Jake the pit bull from Ladson, S.C., is one of the semifinalists for the 2022 American Humane Hero Dog Awards out of 400 candidates from across the country.“When we got him out of the shed, he wasn’t breathing, wasn’t moving. I started doing mouth-to-snout until we got our pet oxygen mask,” said William L...

Fire danced on the shed walls, sheltering Jake, his siblings and his mother. His mother and siblings escaped unharmed, but a piece of the inflamed ceiling fell on the 3-week-old puppy.

Seven years later, Jake the pit bull from Ladson, S.C., is one of the semifinalists for the 2022 American Humane Hero Dog Awards out of 400 candidates from across the country.

“When we got him out of the shed, he wasn’t breathing, wasn’t moving. I started doing mouth-to-snout until we got our pet oxygen mask,” said William Lindler, Jake’s handler and one of the firefighters on the scene of that shed fire in 2015.

Jake was rushed to a local emergency vet’s office by a firetruck in Ladson. Jake began breathing on his own on the trip, but burns marred 75% of his tiny body.

His recovery took about three or four months, and on top of that, the young pit bull’s family abandoned him at the veterinarian’s office.

The office manager of the veterinarian clinic told Lindler that the family had been given options to proceed with Jake’s treatment and were left in the waiting room to fill out some forms.

“About five minutes later, they looked into the waiting room and they were gone,” Lindler said. “And they had just left the clipboard blank with the paperwork on it in the chair in the waiting room.”

After finding out what happened, Lindler automatically decided to adopt the puppy.

Jake followed Lindler to the fire station each day and was eventually sworn in as an Honorary Firefighter and the official mascot. The dog usually went with the team for truck rides and visited schools for fire prevention weeks with his dad.

When Jake wasn’t allowed to ride with the team to calls, things got a little messy. The first year Lindler had him, his wife bought Jake a TempurPedic dog bed for the station. Lindler and his team went out on a call and left Jake at the station because Lindler thought it was too late at night to take the dog along.

When Lindler got back, Jake was found standing on top of the kitchen table, staring at the firefighters with stuffing littered around him.

“It looked like it had snowed in the kitchen because he had totally destroyed that bed,” Lindler laughed. “He was accustomed to going with us on the trucks, but it was about 9 o’clock at night so I just decided to leave him at the station. Well, obviously, he did not like that very much.”

Jake was the star of Ladson’s City Hall and the schools during his three years as an ambassador. Although he had been burned badly, he was always happy to promote the positives and help out with demonstrations.

“The (students) absolutely loved him. I guess they thought it was the neatest thing that there was a puppy that wore a firefighter coat just like us and had a little helmet,” Lindler said.

Jake still carries fame today on social media, which led the American Humane Society to reach out to Lindler about entering Jake into the hero dog contest. His Instagram, “jakethefirepibble,” has more than 23,000 followers as of June 7.

“A couple of his canine buddies have competed in it in years past, and I always thought it was cool when they were doing it, but I never thought about, ‘Could I enter Jake? Should I enter Jake?” Lindler said.

Lindler said he hopes Jake’s story has a positive impact on everyone who’s heard it or has met Jake.

“Everyone has some form of scars, but you shouldn’t let those scars define you,” Lindler said. “(Jake’s injuries) do not slow him down one bit.”

Voting is open to choose the seven finalists in the 2022 American Humane Hero Dog Awards and will close July 22 at 3 p.m.

If you’d like to vote for Jake in the 2022 American Humane Hero Dog Awards and see the other nominees, visit www.herodogawards.org.

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